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Auto insurance for rideshare Arizona

Get a Quick AZ Rideshare Insurance Quote Online

Auto insurance for rideshare ArizonaIf you’re using your vehicle to deliver people to and from locations in exchange for money (commonly called ride-share), your normal auto insurance policy will not provide you coverage while you’re working in most cases. To be sure you’re covered; you will need a specialized insurance policy geared towards ridesharing. This insurance policy provides coverage while driving for any Transportation Network Company, such as Uber or Lyft, whenever Uber or Lyft does not cover your auto insurance.

Rideshare insurance is either a hybrid policy or an endorsement add-on your personal auto insurer, not stand-alone coverage. For instance, you can’t have Progressive auto for your personal auto policy and buy rideshare insurance from Geico
frequently called rideshare insurance, these hybrid policies include coverage for individual auto use and for the times drivers are signed in to a ridesharing app but not covered by Lyft’s or Uber’s insurance.

For example, Grubhub and Instacart don’t provide any car insurance, but you’ll need your own coverage to deliver for them. On the other hand, DoorDash offers only liability insurance while the food you’re delivering is in your vehicle

How does rideshare insurance work?

If you’re using an online app and accepting ride requests from passengers for a fee, you’ll want to make sure you, your vehicle, and your passengers are properly insured during the entire process.Your personal auto insurance unlikely to cover any accidents that happen during your ridesharing gig, but it could even cancel your policy if it finds out you haven’t disclosed you drive the car for cash. Regardless whether you have coverage from the company you rideshare for, it likely won’t apply the entire time you’re on the job

Uber and Lyft only cover rideshare drivers during Periods 2 and 3. Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car.
However, when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits
Drivers for on-demand delivery companies like Grubhub, Instacart and Uber Eats likewise need rideshare insurance to avoid a coverage gap.

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How rideshare services cover their drivers:

Turning on the app and waiting for a customer (period 1): Rideshare companies will cover you as soon as you log in to their app, but it’s sometimes for a small amount of liability only. That means you’ll be covered at the state minimum or more for any injuries and damages you cause while the app is active and you’re waiting for a passenger.

Both Uber and Lyft offer up to $50,000 for bodily injury liability per person and up to $100,000 for an accident, which is double the minimum liability limits in most states. Additionally, you’re covered up to at least $25,000 in property damage liability.

Accepting a request (period 2):  Once you’ve matched with a rider and you’re on your way to pick them up, your coverage normally increases. Depending on your state and ride-share service, you may be covered up to $1 million for uninsured/under-insured motorist coverage as well as an incident in which you’re liable. Comprehensive and collision coverage also kicks in at this point on a Lyft or Uber insurance policy, meaning you’re covered for physical damage to your vehicle from an accident, regardless of fault. The deductible, or the amount of money you’ll pay out of pocket if you file a claim involving damage to your vehicle, is $2,500 through Lyft and $1,000 through Uber.

Transporting your passenger (period 3): Same coverage as period 2. While you’re driving your passenger to their destination, both Lyft and Uber insurance provide liability, uninsured/under-insured motorist, plus comprehensive and collision coverage.

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Arizona Rideshare Insurance Companies:

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progressive ride-share insurance Arizona

Ride-share insurance through Progressive

We offer affordable ride-sharing insurance as an add-on to your personal auto policy in most states. In the states where a rideshare endorsement on your personal policy isn’t available, we can help you obtain a commercial policy.

Current Progressive customers

Call us at 520-402-6002 and a licensed professional will let you know if you can add rideshare insurance to your personal auto policy or if you need a commercial policy.

New Progressive customers

Get a car insurance quote online or call us at 520-402-6002 and let us know you’re driving for a rideshare company.

Do you need Ride-share insurance for Uber?

When a rideshare driver is simply using their vehicle for personal use, it is down to their own personal insurance policy to cover any incidents. … Although Uber and Lyft do provide coverage while the app is on and you are driving, you will still need a personal insurance policy.

Personal auto policies in Arizona aren’t designed to extend coverage when transporting passengers for hire. In fact, most personal policies exclude this type of exposure, and many are extending this exclusion to include the time the ride-hailing app is on, but no fare has been accepted

Safeco rideshare insurance Arizona

Safeco RideSharing Coverage Fills in the Gap– and Then Some

Extend your personal auto policy: With Safeco Ride Sharing Coverage, you get nearly the same coverage during applicable ridesharing activities as you do any other time you drive. Most of the coverage and options you selected for your Safeco auto policy extend to your Ride Sharing Coverage.

Cover your ridesharing gap for mere cents a day: You’ll likely pay less than $10 a month for Safeco RideSharing Coverage, which is currently available in Arizona, Colorado, Illinois, Indiana, Kansas, Minnesota, Missouri, Oklahoma, Oregon, Tennessee, Utah, Washington, and Wisconsin, and will expand to additional states soon.

Identify which vehicle you use for ride-sharing: Your RideSharing Coverage will only apply to the vehicle specified on your policy. If you have other vehicles insured with Safeco, the coverage will not apply to them unless you purchase coverage for each one.

Get around-the-clock claims service: Should you have a claim, you can reach Safeco 24 hours a day, seven days a week by calling 1-800-332-3226. We’re always here to help.

Mercury rideshare insurance Arizona

Mercury’s insurance for Ride-Hailing Drivers

But don’t worry, you have a great option! mercury rideshare insurance can provide the coverage you need, and the best part is that it can cost as little as $0.20 a day! That’s right, you can protect your vehicle, family, and livelihood for as little as a few pennies a day.

Other car insurance companies that provide ride-share insurance Auto-Owners Badger Mutual Bristol West Encompass GAINSCO Hallmark Hartford Kemper | Infinity MetLife Mutual of Enumclaw Nationwide  Safeway State Auto Travelers

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The company for which you drive only provides limited insurance coverage during the time your ride-hailing app is on but has not yet accepted a fare (Period 1). Once you accept a fare or are transporting a fare, you will have coverage under the commercial insurance policy from the company for which you drive.

It is very important to understand, however, that your personal auto insurance policy only provides coverage when your ride-hailing app is off. This means that when your app is on and you’re looking for a fare, you probably aren’t fully covered.